Is Custer County, OK in a flood zone?
FEMA's National Risk Index puts Custer County's flood hazard at the 38.7th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 100 homes FEMA counts inside Custer County's mapped flood zone, 4 carry the flood policy federal law requires there — 4% compliance, short of full coverage. Across all residential structures in Custer County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Custer County compares nationally
Custer County sits at rank 1989 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1501 of 3144 by population (1 is biggest). Custer County, Oklahoma is home to about 28,266 people across 988.779 square miles of land.
What to do next if you own or are buying in Custer County
FEMA counts 10,807 residential structures in Custer County overall, 10 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Custer County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.